Billy Howard

William Peerce Howard, Esq.

William Peerce Howard, Esq.

  • University of Florida, Bachelor of Arts in Economics, 1990
  • Nova Southeastern University, Juris Doctorate, 1995


Billy Howard has been fortunate enough to work with some of the greatest legal minds of our time.  Billy was born in Miami, Florida and raised in Winter Haven.  Mr. Howard loves helping people and protecting the "little guy."  His career journey began in the 1980's while working in his father's law firm and assisting in Bob Graham’s successful campaign for Florida's Governor.  Mr. Howard founded “Gators for Graham” his first year at the University of Florida and in his Senior year worked as a Legislative Assistant to then Senator Bob Graham in Washington D.C.  Mr. Howard has a good understanding that politics are necessary to force some people and companies to "do the right thing."

In 1992, Mr. Howard's first year in law school, he worked for one of Florida's premier plaintiff's law firms, Lytal & Reiter. He also had the opportunity to work for Cooney Halizer, a well respected defense firm.  During the summer Mr. Howard had the honor of interning with The Honorable Edward Rodger, Florida's first African American Circuit Judge.  His last year in law school he was approved by the Florida Supreme Court as a Certified Legal Intern and prosecuted numerous cases for the West Palm Beach State Attorney’s Office and actually tried the first jury trial in the new Palm Beach County court house to a guilty verdict.

Upon graduation from law school, Mr. Howard opened his own practice, focused on consumer protection law, and obtained a million dollar verdict in a complex civil theft trial.  He worked as a sole practitioner fighting corrupt corporations, insurance companies and debt collectors of every shape and size.  

In 2004, Mr. Howard became a managing partner at the law firm of Morgan & Morgan and founded their Consumer Protection Department.  He focused the practice on "collection harassment," suing bad banks and abusive debt collectors in addition to helping people fix their credit.  He represented people in almost every state in the country and with the help of his friend and partner John Morgan grew the Consumer Protection Department into the largest one in the country helping a wide range of people from those who have suffered identity theft, to debtors that were the target of unscrupulous and abusive debt collection behavior. He has successfully tried and settled hundreds of  “collection harassment” cases.

In 2008, Mr. Howard obtained a punitive damage jury verdict against a national debt collector, one of the few such awards ever in the country; immediately before the punitive damages phase of trial the case settled confidentially.  Mr. Howard also went to a jury trial against one of the biggest banks in the country, a case which settled confidentially after the Plaintiff rested his case.

Mr. Howard has successfully defended the constitutionality of Florida’s Consumer Collection Practices Act.  He was also asked to Washington D.C. by the Federal Trade Commission (FTC) concerning his expertise and experience fighting abusing debt collectors.  In 2015, he was called upon to testify in a Congressional Banking Committee about the banking industry's attempt to except themselves from Florida's consumer protection law. 

Mr. Howard has an intense passion for helping people hold debt collectors and banks responsible for their egregious conduct.  He is committed to making sure that banks and debt collectors do not get away with their abusive techniques that often devastate families.

Mr. Howard has become a recognized national figure in the fight against bad banks and debt collectors and has been interviewed most likely more than any attorney ever on these issues.  

In 2016, Mr. Howard founded The Consumer Protection Firm, a law firm with dedicated to helping the little guy fight back, and specializing in fighting "robo-bullies."  It is the goal of The consumer Protection Firm to get each one of their clients "$1500 Per Call" for each and every unwanted robocall they have received and to educate and empower the people around our country to fight back!    

In the local Tampa Bay community he is active in Hyde Park United Methodist Church, including teaching youth classes, taking on a leadership role in the greeting ministry and co-founding the very popular ministry known as “Running to Make God’s Love Real."

Published Opinions

  • McCaskill v. Navient and Student Assistance Corporation, 2016.  Order defendants to pay $363,500 on a summary Judgement for robo-calling 727 times without "express consent."
  • Swaney v. Regions, 2016.  Summary judgement granted for Plaintiff and finding their system is a "robo-dialer" and to believe Defendant's position that their system is not a robo-dialer but still texts over 19 million per month " would require the suspension of reason."
  • Page vs. Regions Bank, 2012 WL 6913593 (N.D. Ala.). Lead counsel in case involving TCPA abuse.
  • Kathy Clements v. DSM Supply LLC, 2014 WL 560561 (M.D. Fla. 2014). Lead counsel default judgment in which, after notice of incorrect calls was made, each subsequent call was considered “willful and knowing” and thus worth $1,500.00.
  • Gambon v. R & F Enterprises, Inc., 2015 WL 64561. Lead counsel default judgment in which, after notice of incorrect calls was made, each subsequent call was considered “willful and knowing” and thus worth $1,500.00.
  • Coniglio v. Bank of America, N.A., 2014 WL 5366248 (M.D. Fla. 2014). Default Judgment awarded totaling $1,051,000.00 which found each call after verbal revocation was “willful and knowing” and thus worth $1,500.00.
  • Desmond vs. HSBC Card Services, Inc., WL 2436582 (M.D. Fla. 2009). Motion to amend for Punitive damages granted concerning almost one-thousand phone calls to the plaintiff, although he did not owe the money.
  • Green Tree vs. McLeod, 15 So. 3d 682 (Fla. 2d DCA 2009). Lead counsel in case considered to be one of the seminal appellate opinions on waiver of arbitration.
  • Strominger vs. Amsouth Bank, 991 So. 2d 1030 (Fla. 2d DCA 2008). Lead counsel in case involving banks waiver of arbitration.
  • Laufman vs. Phillips & Burns, Inc., WL 190604 (M.D. Fla. 2008). Motion to Allow Punitive Damages granted in case alleging debt collector threatened daughter with the arrest of her father and to take away her mobile home.
  • Jones v. Bank of America, Florida Circuit Court 2012. Motion to Allow Punitive Damages granted in a case alleging the bank was falsely reporting information on client's credit and repeatedly called her for a debt she was not responsible for.
  • Nugent v. Wolpoff and Abramson, Florida Circuit Court 2001. Motion to Amend for Punitive Damages granted in a case alleging deceptive and corrupt arbitration scheme, abusinve debt collection and false credit reporting.
  • Lacen v. Wells Fargo, Florida Circuit Court 2008.  Motion to Allow Punitive Damages granted in a case alleging a bankruptcy was being falsely reported on client's credit report.
  • Lamboi v. Van Ru Corporation, Florida Circuit Court 2007. Motion to Allow Punitive Damages granted in a case alleging debt collector called the client the "N-Word." 


  • Florida Bar
  • Southern, Middle and Northern District of Florida
  • Hillsborough County Bar
  • Florida Justice Association
  • National Association of Consumer Advocates